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Full Summary of Discussion
Once upon a time, you may have thought of these (even for just a fleeting moment)...
These were the financial goals you want to achieve.
But.. life came along.
And with its gift of making you busy with work, family and friends, there's no time left for plain-old boring Finance.
So, what were once serious thoughts became just distant memories fading away.
What you wanted is still very real and it'll always be there, lurking in the dark corner.
Why haven't you done anything about it?
Here are 3 hurdles...
Overcoming these will show you a clear path
Knowledge is Power.
True or False? What's your answer?
Both answers are correct.
The right information will deter you from making costly mistakes.
On the other hand, in this modern age, there may be too much information available.
One camp may say something, and yet another camp may say the direct opposite. How do you tell the right from wrong?
That's when one goes into 'research' mode...
... which is actually good... to an extent.
When you're stuck in that loop, it can be overwhelming because the curse of Analysis Paralysis would've kicked in.
Constant overthinking about the smallest of details will trigger lots of mental resistance and thus, when you start to think that the task is impossible, you'll just leave it as it is.
Why is this an issue?
Because when the opportunity costs of "nothing being done" compounds day by day, there will be a time when the debt needs to be repaid.
The future may then be filled with heavy regrets of "could haves", "would haves", and "should haves", like the many stories in the news.
While you're walking in the shopping centre, you see some tables and chairs with someone standing around wearing a lanyard...
A slight resistance begins to raise...
It's the sum of bad experiences you had in the past..
Some examples are...
All these could translate to you thinking that all agents are out just to earn a commission or push products that give high commissions.
And you would rather 'DIY' and not go through the same hassle again.
However, in the grass fields, there are some who are 'greener' than the rest.
There could be well-meaning agents who can point out certain gaps in your portfolio and give solid financial advice.
But this blanket rejection of all agents will not expose you to that 'greener' segment which could've made a positive impact.
Even when you reach the stage of knowing what you want, there are just so many options and alternatives.
In a single product class, there are multiple providers and their offerings may be very different from each other (it's all in the finer prints).
The selection of just one is a big and long term commitment...
Are you making the right decision? Which is truly the best?
One mistake can burn a hole in your pocket.
What then? How can we eliminate these bottlenecks?
Like the Medical Doctor who has the title, M.D, and as corny as it may sound, we like to call ourselves, Financial Doctors (F.D).
Because, there are indeed similarities in our professions (shown below).
FullCircle™ Planning is our flagship service designed specifically to help you achieve your financial goals, whatever they may be.
It's a step-by-step process that goes deep into each stage along the way.
Unlike most advisors, we go all in.
Get your finances sorted out
The most important stage.
Imagine one day you go to the doctor and this plays out:
Me: "I have a flu"
Doctor: "Say no more, you need to do an operation immediately!"
Me: "Wait, wait, what???"
You'll have doubts on his recommendations...
That's why without fully understanding your financial situation, how is one going to give you good advice?
With our PISCIL framework, we're able to uncover facts - hard and soft - about yourself and your family which you may have never thought of before.
This allows us to start on a needs-based approach designed around just you.
With all the information gathered, we'll be able to give a preliminary diagnosis.
There are a few things we would touch on.
With a clearer picture, we'll then be able to zoom in specifically on an objective.
Areas we cover:
But it doesn't end there...
We don't just work with one partner, we work with many.
Here's the list of partners we work with:
What does this mean?
We're not tied to any one provider and would be able to give unbiased feedback.
We're able to compare products across the board so you need not approach individual companies for their quotes, therefore saving precious time and money.
We go further by understanding the details of each product on a deeper level (sometimes, we burn and drink the product documents), so we're able to share on the strengths and shortcomings of each plan.
Bottom line: we're able to propose the best option based on your needs.
After we've narrowed down from the mountain of options, there lies only a few that will help achieve your specific needs.
Whether it's a small bandage or a complex operation, only with your acknowledgement will we then proceed to transform your plan into a reality.
Even after the surgery, monitoring is still needed.
Over time, things may change.
Your career, commitments and objectives will not stay the same.
Thus, we'll do a constant review to ensure that everything is on track. If adjustments are needed, we'll let you know.
Take the first step...
Come out of the thick smog and get a clearer view of how your finances would pan out in the future.
We're giving 100% real and natural feedback to you. No hiding. You'll get the good and bad. In the end, you decide.
Eliminate the hassle of going to different places. Just like your favourite supermarket, we'll provide everything you need.
With a clear blueprint, there's no such thing as "what if." Every permutation along the way will be addressed.
While we can't predict everything will go according to plan...
When we fail to even plan, we plan to fail.
Have you seen a baby who is able to walk immediately?
No, you'll see him crawling, fumbling and stumbling, and only then starts walking.
Likewise, achieving your financial goals does not happen by snapping your fingers, it requires small first steps to get to the destination.
BUT... this is not for everyone. It requires co-operation from you every step of the way.
At the end of the day, we only strive for a win-win situation - nothing else.
If you do see value in what we do, go ahead and take the first step.
Whatever we discussed in the appointment can contain a lot of important material.
It can take time for you to digest.
The worse we want is that you takeaway nothing from it.
And as we know that time will erode our memories, we would like to value-add by giving you a summary of whatever was discussed.
This will allow you to glance at the critical information, at any time.
But we're only doing this for a limited time.
We respect your time as much as we do for ours.
During the appointment, if don't wish for it to continue for any reason - don't like our faces, don't find it suitable, etc - just let us know.
We won't hold you back any further and thank you for your time.
Yes, there's no fee involved.
It typically takes around 40 minutes. However, it can take even longer if there are questions from your side or more complex situations.
We're providing solutions that suit your needs. In the end, it's entirely up to you to decide.
Yes! If you do have old policies, do bring them along as we can give more accurate feedback.